Loan Review Analyst

Summary: The Loan Review Analyst provides independent, objective evaluations of the Bank’s commercial, agricultural, and consumer loan portfolios to assess credit quality, risk grading accuracy, documentation compliance, and adherence to lending policy and regulatory expectations. This role supports sound credit risk management by identifying emerging risk trends, validating credit administration practices, and providing timely reporting to management and the Directors’ Loan Committee. The Loan Review role is a key position, independent of loan origination and underwriting, and plays a critical role in regulatory compliance, problem loan identification, and overall safety and soundness. Primary Responsibilities and Duties: Loan Review & Credit Risk Assessment Independently conduct comprehensive reviews of higher‑risk, complex, or material loan relationships, including: Commercial and agricultural credits Criticized and classified assets Concentrations and portfolio segments of heightened risk Evaluate credit structure, underwriting quality, borrower performance, collateral adequacy, covenant compliance, and policy adherence Perform in‑depth financial analysis, cash flow testing, and stress considerations where appropriate Exercise independent judgment in validating or challenging risk ratings and regulatory classifications Credit Risk Grading & Classified Asset Monitoring Validate internal risk ratings and recommend changes when warranted Identify and track Watch, Special Mention, Substandard, Doubtful, and Loss credits Prepare the monthly Classified Asset Report for senior management Monitors overdrafts to ensure timely charge off Reporting & Communication Prepare periodic loan review summary reports and memoranda for management and the Directors’ Loan Committee (e.g., quarterly loan review summaries) Communicate findings professionally and constructively with lenders, credit administration staff, and senior management Special Reviews & Projects Perform targeted or special-purpose reviews, including: Loans pledged to the Federal Reserve or other funding sources Concentration or industry‑specific reviews Consumer loan portfolio reviews, as needed Regulatory or examiner‑requested loan reviews Attend Management Loan Committee or other credit‑risk forums and participate as requested Qualifications Education & Experience Bachelor’s degree in finance, accounting, business, agriculture economics, or a related field 3-5 years of banking experience in loan review, credit analysis, underwriting, or credit administration Experience reviewing commercial or agricultural credits within a community or regional bank is preferred Knowledge & Skills Strong understanding of credit risk analysis, financial statement interpretation, and cash flow assessment Working knowledge of regulatory loan classifications, criticized asset management, and lender responsibility standards Ability to apply professional skepticism and independent judgment Excellent written communication skills suitable for examiner and Board‑level audiences Proficiency with loan systems, document imaging platforms, and Microsoft Excel and Word Core Competencies Must be capable of exercising highest level of discretion on both internal and external confidential matters Independence and objectivity Sound judgment and discretion Professional skepticism Attention to detail Ability to communicate findings diplomatically Working Conditions Either office‑based or remote with periodic meetings, examinations, and report deadlines. If working remotely, a qualified candidate must be able to come to the main office monthly. Occasional extended hours may be required during examination or reporting cycles